Insurance Fraud Awareness

Insurance fraud costs American families billions of dollars every year — and honest policyholders pay for it through higher premiums. Fraud ranges from staged accidents and inflated claims to fake agents, phony policies, and post-disaster contractor scams. Knowing the warning signs protects your family and your wallet.

Only pay premiums to your carrier or to our office through channels we have confirmed with you. Be suspicious of anyone demanding immediate payment by gift card, cryptocurrency, or wire transfer to a personal account. If a payment request feels off, call our office at a number you have independently verified (from this website or your policy documents) before sending anything.

Fraudsters sometimes sell policies that do not exist, especially around auto insurance and after major storms. Every legitimate agent and agency holds a state license you can verify through your state's department of insurance. If a price seems impossibly low or you are pressured to sign immediately, slow down and verify — or call us for a second opinion. We will never pressure you to buy.

• Be wary of door-to-door contractors who "just happened to be in the area" • Never sign an Assignment of Benefits (AOB) or a contract you have not read • Get written estimates and verify licenses and insurance before work begins • Talk to us and your carrier BEFORE signing repair contracts on a claim • Never pay the full cost of repairs up front

• Sudden stops in traffic with a car full of "witnesses" • Strangers who direct you to a specific repair shop, clinic, or attorney • Anyone who encourages you to exaggerate damage or injuries on a claim Remember: knowingly submitting false claim information is a crime in every state — and it can void your coverage.

1. Contact our office — we will help you sort out what is legitimate. 2. Report suspected fraud to your carrier's fraud hotline. 3. Contact your state department of insurance fraud bureau. 4. For scams involving payment or identity theft, file a report with the FTC at https://reportfraud.ftc.gov and, if funds were stolen, your bank. Acting quickly makes recovery far more likely.

If you receive an email, text, or call claiming to be from Demo Agency that asks for payment or sensitive information and something feels wrong, do not respond. Forward it to us so we can investigate and warn other clients. Do not click links or open attachments before reporting.